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Mortgage free in Forever Home :-)

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  • Watty1
    Watty1 Posts: 6,770 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    crocheting planting and thongs - a varied thread if ever there was one!
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • f0xh0les
    f0xh0les Posts: 7,612 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Crocheting, planting and thongs , oh my!
    Crocheting, planting and thongs , oh my!
    4/10/22One Year Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
  • KajiKita
    KajiKita Posts: 7,586 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    CCW007 said:
    Um, are we talking footwear or religious under garments here?
    f0xh0les said:
    Holy thongs Batman!
    f0xh0les said:
    Crocheting, planting and thongs , oh my!
    Crocheting, planting and thongs , oh my!
    What are you two on?! 😂😂

    @Watty1, well I would hate to be boring … 😉😊

    Dishwasher is go! 👏

    Rotated my mattress (with Mr KK’s assistance) and washed the earthing under sheet, which is nearly dry on the line ready to go back on 😊

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £227 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,744 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    KajiKita said:
    Many moons and jobs ago I was in a DB pension …

    They emailed me today with a passworded letter saying that as I will be 55 this October I could call on my pension! 😳😂

    They are saying I could get a £35K lump sum and a £5.5K pension pa. 
    Or no lump sum and c. £7.2K pa pension. 
    Apparently they believe they can maintain the value of the pension to match inflation, up to @ maximum of 5%. 

    I’m assuming I should just leave it all there for now … 🤔

    KK

    How fabulous! I think as you are currently earning you dont want the extra tax hit, even with the 25% tax free bit. However its easy to set up a simple excel and do some projections...

    Gorgeous Looking  Mr KK vehicle ;)

    So sorry to read about the tragedy, maybe one of these organisations has a book you can buy  about ways to cope (or not as it feels like a huge tragedy)  in such a difficult time.


    Another one here who is on the healthy eating journey too and I feel so much better.  I listened to a podcast by the van Tulleken docs the other day.  They were saying that putting on weight isn't a failure or lack of willpower - the food companies spend millions on making irresistible food that's bad for you.  So if you can beat them you are doing well, it made me feel better about putting weight on when I was going through the menopause.
    This podcast sounds great, it is so true everywhere you turn there is a food manufacturer/restaurant trying to sell you foods with  extra fat, sugar, salt in - they taste great but is entirely manufactured to make us eat more of it.. and we wonder why we put on weight.. and the menopause they really dont warn you ...

    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • Humdinger1
    Humdinger1 Posts: 2,293 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    @KajiKita may I dive in to say that you are never boring! Not even close!! If thongs are your thing, you go right ahead; not that you need permission from me or anyone else. Gruesome descriptions of what can happen if you wear ones that are too small have steered me away but chocks away I say.  Love Humdinger xx 
  • KajiKita
    KajiKita Posts: 7,586 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    @KajiKita may I dive in to say that you are never boring! Not even close!! If thongs are your thing, you go right ahead; not that you need permission from me or anyone else. Gruesome descriptions of what can happen if you wear ones that are too small have steered me away but chocks away I say.  Love Humdinger xx 
    I’ve been wearing them since I was 14, so 40 years! Always hated VPL! 😉😊
    And yes, sizing is very important 😊😂
    Latest ones this morning, are described as ’butter soft’. Not sure I’d go that far but they fit and are certainly comfortable. 

    Perhaps I should go back to talking about finances and such like …?? 🤔😂 I suspect all this talk about girly grundies will be making the blokes a bit uncomfortable 😉

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £227 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,744 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    The mindful eating counselling sounds great  - since I have been doing a food version of the Newcastle diet i am really appreciating the taste of food, the sweetness of a single strawberry, the first bite of a GF  aberdeen angus burger (no bun but with more green salad than a most would attempt) If I start looking like Shrek I will know why...
    I am also not really hungry, turns out eating more sweet/salty things just makes you crave them more. I actually feel great.

    Very useful that you found your colleague with the leaflets.
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,341 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I'm very interested to hear about the mindful eating counselling too ☺️. I teach mindful eating meditations sometimes and it's amazing how much stuff we eat mindlessly without even tasting it sometimes! 
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • KajiKita
    KajiKita Posts: 7,586 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Been pretty tired today so took it easy in work … 😉 But had a good interview with a prospective quality technician I am being required to recruit. He absolutely blindsided me when we got to the bit where I opened it up to his questions … He asked what the induction process would be for the person in the role. Not something I had given a moment’s thought to yet! 😂 Had to think on my feet but he seemed to like my answer 😊 We are likely to bring him back in for a second interview including a practical test 😊

    Enjoyed my early Friday finish again 🙃

    Collected my prescription - always a dull task but pretty critical! 😉

    Had the mindfulness eating counselling session. I shared with her how the drinking extra water is making a huge difference to me - she likened it to trying to weed a garden when it’s dry or when it’s watered - the first is a real struggle, the latter is easy and flows 😊
    I commented that I think I am eating more, so the constant low level ‘hum’ of hunger has stopped (I didn’t realise it was there until it did stop) but I’m not gaining any weight. Between us we think it’s the extra water and food making me feel better so I’m doing more and she pointed out that protein and fibre take more energy to digest and that you just don’t absorb as much into the bloodstream of food high in fibre.
    We were meant to do a mindful eating exercise with a digestive biscuit but when she got me to score it out of 10 for how much I wanted to eat it, I only scored it a 1! 😂 So next time we are going to go hardcore with a packet of salt and vinegar crisps!! 😳😂😂

    Some other jobs done:

    - Quick wipe over of the TV stand and mantelpiece in the lounge. 

    - Completely emptied, cleaned and rearranged the windowsills in the snug and the dining room at the front of the house. Now that’s a job I’ve been meaning to do for aaaages … 👏😊

    - Put all the contents of the cupboard under the sink … back under the sink - two carrier bags of stuff off the floor! 👏 Mr KK pleased. 😁 

    - Bagged up all the squashed aluminium foil ready to take to the recycling centre tomorrow 😊

    - Fed us both with baked potatoes, grated cheese (used up a scrag end of cheddar), finely sliced red onion and baked beans. One of my all time favourite meals but I never get to have it any more 😊 Mr KK had sausages with his … 🙄😂😉

    KK 

    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,338 Interest saved £5225 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £227 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
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